China Merchants Bank can enjoy interest-free service in installments, and the handling fee will be shared monthly. Due to different brands and cooperation modes, the number of installments, handling fee rate and down payment ratio will be different.

Credit card installment fee = installment total amount * monthly rate. The installment fee rate of China Merchants Bank is 0%- 1.5%. The specific rate is related to the number of installments and different credit card installment types. China Merchants Bank will analyze users' borrowing, repayment and daily use of credit cards, based on the evaluation results of our system when handling installment business.